How to Handle HOA Maintenance Disputes
Last updated: April 2026
Researched by the HOAOverreach Research Team
HOAs collect assessments to maintain common areas, but what happens when they don't? Neglected pools, broken gates, deteriorating roofs, and unmaintained landscaping are common complaints. Homeowners have the right to demand that their assessments be used for their intended purpose.
What the Law Says
HOAs have a fiduciary duty to maintain common areas using assessment funds. In California, Cal. Civ. Code § 5600 requires the board to prepare an annual budget that includes adequate reserves for maintenance and repair. In Florida, Fla. Stat. § 720.303(6) requires HOAs to maintain adequate reserves unless waived by majority vote. Virginia law (Va. Code Ann. § 55.1-1805) requires the association to maintain and repair common areas as specified in the declaration. If your HOA is collecting assessments but failing to maintain common areas, you may have grounds to demand an accounting, attend board meetings to raise the issue, or petition for a special meeting under your state's HOA act.
Sample Dispute Language
Dear Board of Directors, I am writing to formally request that the Association address the deteriorating condition of [specific common area issue]. As a dues-paying homeowner, I expect that my assessments are being used to maintain common areas as required by our CC&Rs and [state statute]. I request a written response within 30 days outlining the timeline and plan for addressing this issue. I also request access to the most recent reserve study and financial statements as permitted under [records inspection statute]. Sincerely, [Your Name]
This is a general template for informational purposes. Customize it with your specific details, CC&R references, and state statute citations. This is not legal advice.
When to Escalate
- The HOA has not addressed maintenance issues after multiple written requests
- Common areas pose a safety hazard (broken lighting, damaged walkways)
- The HOA is collecting special assessments for maintenance not being performed
- Reserve funds appear to have been mismanaged or depleted
- The HOA refuses to provide financial records when requested
Frequently Asked Questions
Can I withhold my HOA dues if they aren't maintaining the property?
Generally, no. Withholding dues can result in liens and late fees. The better approach is to demand an accounting of funds, attend board meetings, request reserve studies, and if necessary, petition for a special member meeting or file a complaint with your state's regulatory agency.
Is my HOA required to have reserve funds for maintenance?
California requires HOAs to prepare a reserve study every 3 years (Cal. Civ. Code § 5550). Florida requires reserves unless waived by majority vote (Fla. Stat. § 720.303(6)). Many states require disclosure of reserve levels but don't mandate minimum amounts.
How do I get my HOA's financial records?
Most states give homeowners the right to inspect HOA financial records. In California, the HOA must provide records within 10 business days (Cal. Civ. Code § 5205). In Florida, within 5 business days (Fla. Stat. § 720.303(5)). Submit your request in writing.
Related Dispute Types
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